Implementasi Akad Mudharabah dalam Perbankan Syariah

Rizal Ancu; Asriani Asriani; Lince Bulutoding

doi:10.55606/jimek.v5i1.6104

Authors

Rizal Ancu Universitas Islam Negeri Alauddin Makassar
Asriani Asriani Universitas Islam Negeri Alauddin Makassar
Lince Bulutoding Universitas Islam Negeri Alauddin Makassar

DOI:

https://doi.org/10.55606/jimek.v5i1.6104

Keywords:

Financial inclusion, Human resources, Islamic banking, Islamic financial literacy, Mudharabah contract

Abstract

Mudharabah contract is a key instrument in Islamic banking based on profit-sharing principles and free from interest (riba). This study analyzes the implementation of mudharabah, its supporting and inhibiting factors, and its impact on the development of Islamic banking. The findings reveal challenges such as limited human resources and low financial literacy in Islamic finance, yet mudharabah promotes financial inclusion, product diversification, as well as improvement of competence and customer trust. Enhancing education and human resource development is essential for the successful application of mudharabah to strengthen the Islamic economy.

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